Credo Wealth Management
Independent Personal Wealth Manager
Hello, and thank you for stopping by! I am a husband, father, Marine, independent personal wealth manager, business manager, and sports fan.
It is a great honor to enjoy the following highlights:
· Perfect 5-star rating by private clients
· No commissions or minimum investment
· Published by NASDAQ and Investopedia
· Featured financial advisor by Visa, Inc.
· Historically better investment returns*
*based on data from ARC Private Client Indices (PCI)
Credo means “I believe”. We believe in supporting your heritage by empowering your legacy. We are your personal advocate with fee-only management and advice, Proverbs-based principles, proven strategies, leading technology, human expertise, and historically better performance than the average investor. Credo Wealth Management was born from a passion to help people manage their finances and enjoy a fulfilling life while creating a legacy.
Daniel Schutte founded our firm upon earning his Series 7, Series 66, and Health & Life licenses. After training to be a financial advisor with a large company, he chose to become an independent Registered Investment Advisor in order to serve clients without pressure from commissions, quotas, or restricted investment and insurance options. While Dan has been conducting market research and studying wealth management for over 15 years, he now enjoys providing this service to our valued clients with both competence and care.
Dan is currently managing budgets up to $10 million for Visa, Inc. and previously served as a Marine Corps Intelligence & Operations Officer where he managed over $50 million in assets with the First Marine Headquarters Group. As a resident of Denver, Colorado, Dan is married to his wife, Sarah, and enjoys spending time making memories as a family.
Start investing in your legacy today at: CredoWealthManagement.com
Master of Business Administration (MBA), American Military University
CONTENT: All written content displayed here is for information purposes only. Opinions expressed herein are solely those of Credo Wealth Management LLC unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation. This communication may provide links to others for the convenience of our users. Our firm has no control over the accuracy or content of these other sources. REGISTRATION: Advisory services are offered through Credo Wealth Management LLC; an investment advisor firm domiciled in the state of Colorado. The presence of this communication on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
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Maintaining a healthy engagement with the stock market can help fight inflation while tapping into potential growth to help preserve your principal. While your portfolio should be more conservative in retirement, you also have to consider rising interest rates (so a high bond allocation may not be the right answer either). You can reduce your risk by diversifying both your bond and stock allocations by using Exchange Traded Funds (ETF). Learn more here.
This depends on if you foresee yourself in a lower tax bracket when you retire. If so, a higher contribution to a traditional account would be more advantageous. Another way to play both sides is to fully fund a Roth IRA if you can while you contribute to the traditional 401(k).
That is a smart move to take advantage of the company match as it is "free money." You might also want to start fully funding a Roth IRA (federal tax-free growth and qualified withdrawals). After that, you can put any excess cash in an individual taxable account for shorter-term goals and to help fight inflation. You can diversify risk with low capital by using an ETF portfolio. Learn more about ETFs here.
Balancing the risk of rising interest rates for bond funds and potential drop in stock prices can be delicate. However, ensuring that you have an appropriate mix of both depending on your goals and time horizon can fortify your position. An advisor managed ETF portfolio would be a great choice.
Diversifying risk should be a top priority. ETFs are a great way to do that. Fighting inflation while targeting growth is important. Consulting a financial advisor on your options would be a great idea. Learn more about ETFs here.